Zoho Launches Zoho Pay To Bring Payments Directly Into Chats

Zoho Corporation, the Indian software powerhouse known for its business tools, is stepping into the consumer fintech market with the launch of Zoho Pay. The new app lets users send money, make quick transfers, and pay bills seamlessly inside the company’s messaging platform, Arattai. With this move, Zoho is looking to transform how users interact with payments by combining social communication with simple and secure financial transactions.

Making Payments as Easy as Chatting

According to Sivaramakrishnan Iswaran, Zoho’s head of finance, Zoho Pay has been designed with a focus on ease, security, and smooth user experience. “Zoho Pay is built to make payments effortless and safe. It will be available both as an independent app and within Arattai, allowing users to complete transactions without leaving their conversations,” he said.

This integration means users will be able to send money to friends or pay for services directly within their chats. The feature eliminates the need to switch between multiple apps, allowing Arattai to evolve into an all-in-one communication and payment platform. This strategy mirrors a growing trend among global messaging platforms that aim to merge conversation with commerce.

Zoho’s Entry Into The Fintech Space

Zoho Pay marks the company’s first major consumer-facing step in the digital payments market. While Zoho has been active in fintech through its business-oriented Zoho Payments gateway, launched in 2024, Zoho Pay expands its focus toward individuals, small businesses, and families looking for simple, integrated financial tools.

Iswaran highlighted Zoho’s long-term vision, saying, “Our fintech journey is a gradual expansion, beginning with payments and moving into other financial services, while staying committed to organic, sustainable growth.”

By embedding Zoho Pay inside Arattai, Zoho aims to bring financial inclusion to a wider audience while maintaining its reputation for privacy, reliability, and seamless integration.

Competing in India’s Crowded Digital Payments Market

India’s digital payments landscape is already dominated by major players like Google Pay, PhonePe, and Paytm. However, Zoho’s existing ecosystem of trusted software and its growing Arattai user base could give it a unique advantage. The company’s large network of business customers and everyday users may help Zoho Pay quickly find traction among those seeking convenience and security in their digital transactions.

The app will first roll out to internal users and gradually expand to the public in the coming months. Once launched, it will position Zoho as one of the few Indian companies offering a complete consumer ecosystem that connects business tools, communication, and personal finance in one platform.

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